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How to protect your money as a high earner

*Collaborative post.

Financial security is what almost everyone strives towards.

For high earners it is of particular importance — to try to protect the money they are earning — as there is more to keep safe.

But, how exactly can we achieve this?

 

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If you want to make the most of your assets, take a look at three of our top tips:

 

  1. Careful budgeting

Some high earners feel that they don’t need to budget. Frugality, after all, has long been associated with people earning a low income.

However, budgeting can benefit everyone — however much they earn. Monitor your money, and you’ll be less likely to face unexpected shortfalls in the future.

By creating a weekly or monthly cash flow on a simple spreadsheet, you can plan your outgoings and lifestyle in advance. Better still, carry your cash flow with you as an uploaded document on your phone or tablet, and you can look at it whenever you feel the urge to overspend.

You don’t just stand to protect your assets; you could become more confident in financial handling, too.

 

  1. Contingency funds

Budgeting isn’t just useful — it’s essential. If you put aside a certain amount of money each month, you can be prepared for any financial situation, including emergencies and changes of circumstance.

Though nobody wants to face a costly surprise, they can occur at any time. Building a contingency fund means you will be able to deal with it much better.

It could be particularly helpful if you need to take unpaid leave from work, for example. That way, you won’t have to worry about covering bills and maintaining your usual lifestyle during that period.

Equally, a fund may come in handy if you ever face redundancy. You’ll then have enough money to tide you over while you secure new employment.

Prepare well, and you can always remain financially secure.

 

  1. Pension plan

You’ll no doubt know the value that a pension plan can offer. As a high earner, you will have garnered a state pension through national insurance contributions as well as building a private or corporate pension along the way, too.

At state pension age (currently 65), Brits have the opportunity to either claim or defer their acquired sum. A deferred pension, for example, increases by a small amount, once its owner has retired. A private pension can be drawn earlier – usually around the age of 55.

Although you may be a long way of retirement age now, it’s useful to plan ahead and decide on the best option for you long-term. You can then start to save effectively. You could always consult a financial adviser to work out the best route for your retirement.

You work hard for your income, so it’s only right that you want to protect it. Follow the right steps, and you can secure your finances, both now and for the future.

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Finding the Missing (Genetic) Piece for Infertile Women

*Collaborative post.

 

“I’m infertile.”

When you say those words out loud, whether it’s for the first time or one-hundredth time, they no doubt sound surreal.

No woman believes they’ll face this challenge. After all, giving birth is one of the most natural things you can do, isn’t it?

Sadly, so many of us – too many of us – face the heartbreaking news of infertility.

Fortunately, thanks to modern medicine many of us will find the hope we need in fertility treatment, via donor egg IVF.

Whether you’re looking into the qualifications for egg donor candidacy or you’re wondering whether donor eggs are right for you to grow your family, we want to highlight how donor egg IVF can provide the pregnancy and birth experience you’re looking for.

Intrigued?

Good. Let’s get started!

Finding the Missing (Genetic) Piece for Infertile Women image

 

 

Will My Baby Look Like Me? The Questions You Face at the Start of Your Journey

When you begin looking into egg donation, you’ll have a whole host of questions that need answers:

Will my baby look like me?

What if the baby look looks like the egg donor?

Will I share a bond with my baby?

All of these questions are completely normal because this isn’t the usual route you expect to create your dream family.

It’s important to work through these questions and find the answers you’re looking for, perhaps even talking through your goals and concerns with a counselor.

Over time, and with the right research, you’ll gain an understanding of what connections you can expect to have with your baby.

 

Choosing the Genetics of Your Baby

When you start searching for an egg donor, you have two choices – using someone you know or using an anonymous donor from a donor program.

The first option may initially appeal to you, as you can opt for a family member whose genes you share. But, always consider how this will work in the future; will the donor want your baby to know who they are?

On the other hand, with an anonymous donor, you won’t know the donor’s full name and details, but you’ll know their educational, professional, and medical backgrounds. You’ll know what they look like, what academic achievements they have, what type of personality they have, and other information.

This gives insight into the potential genetics your baby will have, allowing you to choose a candidate similar to yourself, if you desire.

 

Passing on Your Own Genetic Material?

As well as having the ability to influence your baby’s genes through your choice of donor, recent research demonstrates how women using donor eggs may still influence how their baby’s genes are expressed.

How?

Tiny molecules containing genetic material (microRNAs) may pass from the endometrial fluid to the baby, acting as an information system. This can potentially influence your baby’s genes, thus adding to the unbreakable connection you’re already creating with your baby.

 

Weaving Your Own Unique Bond

Genetics aside, egg donation gives you the unique and heartwarming ability to carry and give birth to your baby – something adoption is unable to offer.

Whether it’s feeling their first kick or simply placing your hand on your stomach with the knowledge that they’re growing inside you, these experiences help forge a bond only a mother and child can enjoy.

You, and only you, are this child’s mother – and genetics alone cannot forge this irrevocable connection.

 

Remember – Genetics Aren’t Everything

Not sharing a genetic connection with your child is often one of the hardest hurdles to overcome about egg donation. Understandably so, as it’s a significant concern.

But don’t forget – no mother, whether she gives birth to her baby naturally or through traditional IVF, can guarantee her genes will make her baby look like her, act like her, or resemble those all-important family traits.

As you can see, you – the donor egg recipient – have more control over the genetics of your baby than most others. You’re the one who’ll bring them into this world, help them grow, and develop their own personality and individual traits, which goes way beyond genetics.

 

Happy World Book and Copyright Day

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Today is World Book and Copyright Day. The kids wore their pyjamas to school and were super excited. It is all about reading some of their favourite books today, and they love reading, so you can imagine the excitement. At the moment, the twins’ favourite books are I am an Artist by Marta Altes and Max the Brave by Ed Vere. They would happily read them everyday if possible.

I am a lover of books myself. I love reading and I am currently challenging myself to read a book a week. It has been successful so far, I am a few days behind but I know I will catch up soon. I am currently reading – Why Love Matters: How affection shapes a baby’s brain by Sue Herhardt, on my Amazon Kindle. It is a great book with so much valuable parenting information. All parents should read it. It is a book I am learning a lot from. What are you reading?

 

World Book Day also known as International Day of the Book is an annual event the organized by the United Nations Educational, Scientific and Cultural Organization to promote reading, publishing, and copyright. It is amazing to have a day dedicated to reading, publishing and copyright. As a book lover, that is so important to me. The fact this day celebrates these important things is good as they are how I make my bread and butter.

 

Children read books image

 

 

Copyright Issues

I have had my own fair share of copyright issues. There were a few bold blog post thieves I had the misfortune of dealing with last year, which is why my blog content is now protected. You can’t copy anything on my blog with the copy and paste function. I had to get the plugin for that because many blog thieves were busy reproducing my content on their blogs. It was such a distressing time. I felt completely violated and the fact that these people had the audacity to steal my work was so frustrating.

Many of the blogs were reported and the content were taken down once I discovered them. I can’t understand why anyone would think it is okay to steal a blog post but then again we have all sorts of fraudsters around.

 

 

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Anyways, happy World Book and Copyright Day. I hope your head is buried in a book or a blog post wherever you are 😊

 

 

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